@pnkgirl25 wrote:Ex borrowed my car before we got divorced and got a parking ticket at a local community college. The college sent it to a collection agency I contacted the collection agency about 9 months ago to see if Ic ould do a PFD. The person I spoke to didn't seem to understand what i was asking for. I sent a letter...again asking for a PFD. The respoded back with info confirming the ticket was mine (ie license plate number, color, date etc.) no mention of the pay for delete.
the ticket is $60 and nearly 2 years old but it the only thing I have in collection. I ran a credit score report on myfico and my current fico is 634. I'm wondering if
1. I pay the $60 will it raise me score at all? If the collection is reporting monthly it will stop that and your score will then recover over time.
2. If I pay it will it show up at a new negative since I am now paying it. When you pay it its going to update to paid if you dont get the deletion and that will look like a new collection in the eyes of Fico but as I answered in question 1 if its updating monthly anyway it wont matter to just go ahead and pay it. I would call the college and ask tell them the story you have posted here, ask them to recall the collection and then proceed to pay them directly.
If it's not going to help my score at all then to be honest I don't even want to pay it (would rather just let it fall off) since I didn't get the darn ticekt to begin with.
Anyone have any feedback.
